6 weeks ago I called TCF to ask why they have removed the credit line on my HELOC despite that fact we have been paying considerably more than the minimum payment and we have a huge amount of equity in our property.Was on hold for THREE HOURS whilst I waited to talk to someone, and then when I did they knew nothing about the HELOC product and promised to have someone call me back to discuss.No one has ever called me back.Tired of waiting for a callback I emailed them...3 Times...Still NO RESPONSE.What is the point of have a Home Equity Line Of Credit account, with its inflated interest rate, when the Equity Line Of Credit has been removed. Not only was the ELOC removed it was done so without notice and without reason. Our credit rating is in the 800’s. Thankfully we’re still working through the pandemic and are lucky enough to have jobs that pay very well. We are as low a risk to any lender that can be. We are also lucky enough to be able to just pay this off in full and look for products from other banks. Which we will now do.If this is the way they treat us, I cannot fathom how they’re treating those who may not have it so good at the moment and really need to rely on their HELOC to get them through these tough times.In summary : AVOID

This will be the lowest rated bank I have ever worked with. There are two reasons for that low rating. The first is the quality of their website and the ability to gather information and understand my account using their tools. Their site offers nothing other than a balance and ability to pay a bill. There is little to no value in their website and it appears to be something developed in the 90s. The second is customer service. With the limitations of their website I find I have to call far more often than I usually would and the customer service on the other end of the phone has been terrible. Their employees seem lacking basic training, motivation and overall just incompetent. Zero stars, do not recommend.

Worst bank I have ever talked to. Can I rate lower than Bank of America?